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The Farmers State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fsbks.bank
785-364-4691
209 Montana Avenue
Holton, KS 66436

The Farmers State Bank is headquartered in HOLTON and is the 155th largest bank in the state of Kansas. It is also the 4,031st largest bank in the nation. It was established in 1900 and as of March of 2025, it had grown to 11 employees at 1 location. The Farmers State Bank's CD rates are 2X the national average, and it has a B health rating.

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Health
B

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Farmers State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #15258
Year Established1900
Employees11
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD8.26%
Annual Interest Income$994K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$74.8MM$74.2MM
LoansQ1 2025vs Q1 2024$48.4MM$48.2MM
DepositsQ1 2025vs Q1 2024$64.1MM$63.2MM
Equity CapitalQ1 2025vs Q1 2024$8.4MM$7.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$831K$493K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.5MM$1.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Farmers State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$50-Signature Savings
0.25%$50-Business Savings

The Farmers State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$25k*-MMDA Account
OTHER TIERS: 0.25% → $0 - $2.5k | 0.30% → $2.5k - $10k | 0.35% → $10k - $25k

The Farmers State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$0$25kGo Green Rewards Checking
0.20%$0-Plus Account

The Farmers State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$50k*-6 Month CD
OTHER TIERS: 4.00% → $500 - $50k
3.55%$500-9 Month CD
2.78%*$50k*-15 Month CD
OTHER TIERS: 2.52% → $500 - $50k
2.26%*$50k*-60 Month CD
OTHER TIERS: 2.16% → $500 - $50k
2.11%*$50k*-24 Month CD
OTHER TIERS: 2.01% → $500 - $50k
2.10%*$50k*-12 Month CD
OTHER TIERS: 2.00% → $500 - $50k
1.86%$500-36 Month Bump Up CD

The Farmers State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$50k*-6 Month IRA
OTHER TIERS: 4.00% → $500 - $50k
3.55%$500-9 Month IRA
2.78%*$50k*-15 Month IRA
OTHER TIERS: 2.52% → $500 - $50k
2.26%*$50k*-60 Month IRA
OTHER TIERS: 2.16% → $500 - $50k
2.11%*$50k*-24 Month IRA
OTHER TIERS: 2.01% → $500 - $50k
2.10%*$50k*-12 Month IRA
OTHER TIERS: 2.00% → $500 - $50k
Locations


The Farmers State Bank Locations
The Farmers State Bank209 Montana AveHolton, KS 66436

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